Retirement Planning Check

Answer 20 quick YES/NO questions and see if your retirement plan is on track.
How it works:
• Answer each question with YES or NO.
• Each YES = 1 point. Max score = 20 (100%).
• 80% or more: Your retirement planning is on track.
• 60% - 79%: You’re on your way but there’s room to improve.
• Below 60%: Your retirement plan needs urgent attention.
1. I have a clear estimate of how much money I’ll need annually in retirement.
2. I know at what age I want to retire and have planned around that date.
3. I know my current net worth (assets minus debts).
4. I regularly contribute at least 10–15% of my income toward retirement savings.
5. I receive the full employer match in my workplace retirement plan (if available).
6. I have an emergency fund covering at least 3–6 months of essential expenses.
7. I have paid off, or am aggressively paying down, high-interest debt (like credit cards).
8. My retirement investments are diversified (not all in one stock or one asset type).
9. I review my retirement plan and investments at least once a year.
10. I understand my expected Social Security and/or pension benefits.
11. I use tax-advantaged accounts (401(k), 403(b), IRA, Roth IRA, etc.) for retirement.
12. My investment risk level (mix of stocks, bonds, cash) matches my age and goals.
13. I have appropriate insurance (health, life, disability, etc.) to protect my family and assets.
14. My spouse/partner and I (if applicable) are aligned on our retirement goals and plan.
15. I have a written or documented retirement plan, not just ideas in my head.
16. I have factored healthcare costs and long-term care into my retirement planning.
17. I am on track to pay off major debts (like mortgage, student loans) before or early in retirement.
18. I have thought about where I will live in retirement and considered the cost of living there.
19. I have, or am planning, additional streams of income for retirement (investments, rentals, business, etc.).
20. I increase my retirement contributions when my income goes up or when I get bonuses.

Your Retirement Planning Score

This tool is for educational and informational purposes only and does not constitute financial, investment, tax or legal advice. Always consult a qualified professional for advice tailored to your personal situation.